Haha, glad I'm not alone—I spent a good half hour googling PIP before realizing it wasn't some obscure engine component. Still, does anyone know if PIP covers passengers too, or just the driver? Insurance fine print always leaves me scratching my head...
"Still, does anyone know if PIP covers passengers too, or just the driver? Insurance fine print always leaves me scratching my head..."
Haha, yeah, insurance jargon can be a mess sometimes. From what I recall, PIP usually covers both the driver and passengers—it's meant to handle medical expenses regardless of who's at fault. I had a buddy who got rear-ended last year and his passenger got their medical bills covered through his PIP policy. But keep in mind, coverage limits and specifics can vary a lot depending on your state and insurance provider. Definitely worth double-checking your own policy details.
Speaking of confusing insurance stuff, does anyone know if PIP kicks in if you're injured as a pedestrian or cyclist? I've heard mixed things about this, and it's always made me wonder...
Yeah, from my experience, PIP usually does cover pedestrians and cyclists too. A coworker got clipped by a car while biking last summer, and his own PIP policy actually took care of the medical bills... surprised me too at first. But like you said,
, so always good to double-check."coverage limits and specifics can vary a lot depending on your state"
Interesting, didn't realize PIP covered cyclists too. Wonder if that's universal though... last year I nearly got hit crossing an intersection on foot—makes me curious now how my policy would've handled it. Maybe time to dig into the fine print again.
Had a similar experience a couple years back—got clipped by a turning car while jogging. My PIP actually covered medical bills without hassle. Policies vary though, definitely worth double-checking yours...
